Risk Investigator, T&s Ops

**About PhonePe Group**:
PhonePe is India’s leading digital payments company with 50 crore (500 Million) registered users and 3.7 crore (37 Million) merchants covering over 99% of the postal codes across India. On the back of its leadership in digital payments, PhonePe has expanded into financial services (Insurance, Mutual Funds, Stock Broking, and Lending) as well as adjacent tech-enabled businesses such as Pincode for hyperlocal shopping and Indus App Store which is India's first localized App Store. The PhonePe Group is a portfolio of businesses aligned with the company's vision to offer every Indian an equal opportunity to accelerate their progress by unlocking the flow of money and access to services.

**Culture**

At PhonePe, we take extra care to make sure you give your best at work, Everyday And creating the right environment for you is just one of the things we do. We empower people and trust them to do the right thing. Here, you own your work from start to finish, right from day one. Being enthusiastic about tech is a big part of being at PhonePe. If you like building technology that impacts millions, ideating with some of the best minds in the country and executing on your dreams with purpose and speed, join us

The **PhonePe** **Fraud Risk Operations **team is a high impact team whose goal is to mitigate risk and improve the trust and safety for various PhonePe products. If your dream is to build processes and tools that would impact millions of customers, partnering with some of the best minds and executing on your dreams with purpose and speed, join us

The Key to success in this role is the ability to understand the team’s vision and raise the bar on the job core responsibilities of Operate, Continuous Improvement, Communicate and People Development.

**Location - Delhi(for the first 6 - 9 months)**

**The incumbent is required to demonstrate strong performance in the following areas**:

- Responsible for the prevention and detection of potential fraud across all payment channels by reviewing customers’ accounts
- Work with data to understand patterns and anti-patterns to determine risk activity ranging from fraud, AML, identity theft, KYC, and non-compliant activity per RBI.
- Proactively identifying fraud risks and assessing the adequacy of controls to manage such risks, including recommending enhanced or additional controls
- Working with support areas such as operations, finance, settlements, risk analytics, compliance and technology in ensuring a high level of control is maintained
- Proactive in identifying and following up on anomalies/areas of concern
- Identify fraud patterns through the monitoring of high-risk user and merchants
- Contribute to the creation of fraud rules by providing analytical data to support decisions
- Monitor fraud alerts daily and take necessary action to protect customers.
- Daily updates on any new fraud trends to senior management.
- Ensure information flow and deliverables are met to mitigate fraud by facilitating weekly calls with stakeholders.


**_ Role Requirements:_**
- **Minimum of 2-3 years of relevant experience in risk operations or fraud investigations or fraud risk analytics**.
- Proven experience across the domain of Risk management & Fraud.
- Strong oral and written communication skills
- Team player; ability to build relationships at all levels internally and externally
- Education qualification - Any graduate/PG
- Ability to work independently and to liaise with other departments and coordinate with various stakeholders.
- Has and added advantage if CFE
- Basic working knowledge of MS Office, SQL

**Imp criteria**:

- It is an FTC position and **the employee will be under service contract for a period of 6-9 months and is expected to work from Delhi (external stakeholder office)**.
- **Employee will be converted to FTE after a period of 6-9 months depending on the performance**.
- After completion of the **Delhi requirement**, employee **will be moved to the Bangalore office** and must be flexible with relocation.
- Should be aligned with the both fraud dispute management and investigation processes.

**PhonePe Full Time Employee Benefits**
- **Insurance Benefits - **Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance
- **Wellness Program -** Employee Assistance Program, Onsite Medical Center, Emergency Support System
- **Parental Support - **Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program
- **Mobility Benefits - **Relocation benefits, Transfer Support Policy, Travel Policy
- **Retirement Benefits - **Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment
- **Other Benefits - **Higher Education Assistance, Car Lease, Mobile & Broadband Reimbursements, Salary Advance Policy

**_Working at PhonePe is a rewarding experience Great people, a work environment that thrives on creativity, and the opportunity to take on roles be